Ralph Sabine is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside of his advisory role, he manages timber and land holdings in Isle of Wight County, Virginia, through a family partnership. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning using firm-approved analytical tools.

Kathleen Geremia is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding a Series 66 designation and six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2019. Prior to her financial services career, she attended Randolph-Macon College. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee to guide clients through financial planning.

Tiffany Callahan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Shannon Walker is a CFP® and holds a Series 66 license with 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Scott Singor is a CFA® charterholder and holds a Series 66 license with 20 years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Lelis Pond is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. His prior firms include Royal Alliance Associates, Inc., Signator Investors, Inc., and Oppenheimer. Additionally, he conducts investment and insurance business through Signature Financial Group, LLC, focusing on sales and marketing of securities, fixed annuities, and insurance products. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to pension plans and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct portfolios that may include a wide range of investment products.

Steven Kennedy is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and totaling 39 years of industry experience. His prior roles include positions at Townebank and Raymond James Financial. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, research, and technology-driven strategies.

Dennis Greene is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL in 2025, he worked at Edward Jones for one year and spent 25 years with the U.S. Department of Housing & Urban Development. He also serves as a FINRA arbitrator. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

Christopher Fletcher is a financial advisor at Edward Jones in Virginia Beach, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Legal Benefits Inc. for five years and at Il Giardino Ristorante for four years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment strategies. The firm operates under a fiduciary standard and is notable for its extensive network of advisors, branch offices, and affiliated financial services.

Margarita Enciso is a financial advisor at Wells Fargo Clearing with industry credentials including Series 63 and Series 65 licenses. She has been with Wells Fargo Bank since 2013 and joined Wells Fargo Clearing in 2025. She is based in Virginia Beach, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Murphy is a financial advisor at Raymond James Financial with 34 years of industry experience. He previously worked at Edward Jones from 1991 to 2025 before joining Raymond James in 2025. Outside of advising, he is a partner and owner of Shelmur LLC, where he participates in company direction discussions. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm uses tailored, non-discretionary planning and analytical tools to help clients assess potential outcomes and supports various advisory programs across a large advisor network.

Louis Decuir is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors and Securities America Inc for eight years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Akeem Prosser is a financial advisor with Mass Mutual Investors Services in Virginia Beach, VA, holding a Series 66 designation and 16 years of industry experience. He previously worked at Bank of America and Merrill before joining Mass Mutual in 2018. Outside of his advisory role, Prosser serves as a pastor and teaches courses at a local church, and he is a board member and co-treasurer of a nonprofit organization that builds tiny homes for disaster victims. Mass Mutual Investors Services operates as an SEC-registered broker-dealer and investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools and offers specialized programs including estate settlement and employer-sponsored planning.

Lauren Kunkle is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked at Summit Grove Camp and Conference Center and operated Willow Branch Studio for a decade. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Leslie Morgan is a CFP® professional with 20 years of experience in the financial services industry. She is currently affiliated with Mass Mutual Investors Services and MassMutual Life Insurance Company, having previously worked with Primerica Advisors and Guardian Life Insurance Company of America. Morgan serves on the board of advisors for the CT3 Foundation, a nonprofit organization involved in event planning and coordinating charitable donations. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements utilizing firm-approved software and delivers written recommendations focused on investment categories and strategies.

Brianna Saltos is currently serving as Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2019, previously working as a Senior Relationship Manager from 2019 to 2021 and as a Financial Consultant from 2021 to 2025. Prior to her tenure at Fidelity, Brianna was a Wealth Advisor Associate at Morgan Stanley between 2018 and 2019 and a Team Manager at Capital Group Companies from 2012 to 2018. Brianna holds a California Insurance License. In her professional approach, she emphasizes establishing trust, listening, and clear communication to identify clients' financial goals and implement investment strategies. Integrity is a core value for her, prioritizing clients' interests. Outside of her professional work, Brianna has personal interests that include gardening, playing musical instruments, and caring for pets.

Thomas Vitaletti is a CFP® professional with four years of industry experience, currently affiliated with Raymond James Financial in Hampton, VA. His prior experience includes roles at LPL Financial and Towne Bank. Outside of his advisory work, he is involved with Towne Wealth Management, supporting the investment division of FID Bank. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, offering tailored non-discretionary advisory services supported by advanced analytical tools and a notable municipal advisory affiliation.

Jonathan Jones is a financial advisor with LPL Financial in Virginia Beach, VA, holding Series 63 and Series 65 licenses and 20 years of industry experience. Before joining LPL Financial in 2022, he worked at MML Investors Services, Inc. and MassMutual for 16 and 17 years, respectively. He also serves as a presenter contracted by the federal government providing financial education to federal employees through the National Association of Federal Retirement Education Directors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Noel Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 30 years with Waddell & Reed, Inc. and various insurance carriers. Martin is also a managing member of DNP&P Group, LLC, an investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

James Albert is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2015. Outside of his advisory role, he is a part owner of a family HVAC business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by internal and third-party research.